本文選題：農(nóng)村民間金融　切入點：效應(yīng)分析　出處：《中國海洋大學(xué)》2012年碩士論文

【摘要】：農(nóng)村民間金融在世界各國普遍存在,又因各國環(huán)境、文化的差異而各具特色。改革開放以來,農(nóng)村經(jīng)濟(jì)得到迅速的發(fā)展,在此基礎(chǔ)上,農(nóng)村民間金融也得到很大的發(fā)展,逐步成為我國金融體系的重要組成部分。事物總是一分為二的,農(nóng)村民間金融也不例外。一方面,農(nóng)村民間金融彌補了農(nóng)村正規(guī)金融的不足,解決了農(nóng)村金融資源匱乏的問題,促進(jìn)了農(nóng)村經(jīng)濟(jì),優(yōu)化了農(nóng)村的資源配置。另一方面,農(nóng)村民間金融也帶來了一些負(fù)面影響,比如違約風(fēng)險高、不受金融監(jiān)管的約束、投資的盲目性、利率奇高等,這都嚴(yán)重擾亂了正常的金融秩序,增加了社會的不穩(wěn)定因素。雖然農(nóng)村民間金融存在較多的負(fù)面效應(yīng),但是在我國還是有廣泛的發(fā)展空間的。為了使農(nóng)村民間金融能夠更好的為經(jīng)濟(jì)服務(wù),國家政策支持就顯得十分重要。政府對待農(nóng)村民間金融的態(tài)度對金融體系的完善乃至整個國民經(jīng)濟(jì)的發(fā)展都具有極其重要的意義。 本文在總結(jié)國內(nèi)外農(nóng)村民間金融的發(fā)展現(xiàn)狀的基礎(chǔ)上,運用歷史分析法和案例分析的形式,總結(jié)了我國農(nóng)村民間金融的發(fā)展歷程和發(fā)展規(guī)律,并對農(nóng)村民間金融發(fā)展情況存在的主要形式和特點進(jìn)行了概括分析。在對我國農(nóng)村民間金融發(fā)展歷史回顧的基礎(chǔ)上,結(jié)合山東省的實際情況,分析農(nóng)村民間金融的正負(fù)面效應(yīng)分析,指出優(yōu)勢和不足,并針對這些不利影響,探尋解決辦法。本文參考和借鑒國際上其他國家的成功經(jīng)驗并結(jié)合山東省自身的實際情況提出了山東省農(nóng)村民間金融的規(guī)范化的對策建議。
[Abstract]:Rural folk finance exists all over the world, and has its own characteristics because of the differences of environment and culture.Since the reform and opening up, the rural economy has been developing rapidly. On this basis, rural folk finance has also been greatly developed, gradually becoming an important part of the financial system of our country.Things are always divided into two, rural folk finance is no exception.On the other hand, private finance in rural areas has also brought some negative effects, such as high default risk, not subject to financial supervision, blindness in investment, and exceptionally high interest rates, all of which have seriously disturbed the normal financial order.Increased social instability.Although there are many negative effects in rural folk finance, there is still wide scope for development in our country.In order to enable rural private finance to better serve the economy, national policy support is very important.The government's attitude towards rural folk finance is of great significance to the improvement of financial system and the development of the whole national economy.On the basis of summarizing the present situation of the development of rural folk finance at home and abroad, this paper summarizes the development course and law of rural folk finance in China by using the form of historical analysis and case analysis.The main forms and characteristics of the development of rural folk finance are summarized and analyzed.On the basis of reviewing the development history of rural folk finance in China and combining the actual situation of Shandong Province, this paper analyzes the positive and negative effects of rural folk finance, points out the advantages and disadvantages, and explores the solutions to these adverse effects.Based on the successful experiences of other countries in the world and the actual situation of Shandong Province, this paper puts forward some countermeasures and suggestions for the standardization of rural folk finance in Shandong Province.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.35

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 陳柳欽;;我國農(nóng)村民間金融發(fā)展問題探討[J];西華大學(xué)學(xué)報(哲學(xué)社會科學(xué)版);2006年02期

2 李明賢;重構(gòu)我國農(nóng)村金融體系的思考[J];財經(jīng)理論與實踐;2001年05期

3 鄒新陽;王貴彬;;農(nóng)村民間金融面臨的風(fēng)險及防范策略研究[J];當(dāng)代經(jīng)濟(jì)管理;2008年02期

4 郭艷云;;農(nóng)村民間金融組織及其規(guī)范[J];福建行政學(xué)院福建經(jīng)濟(jì)管理干部學(xué)院學(xué)報;2007年01期

5 李潔;;農(nóng)村民間金融規(guī)范化探析[J];法制與經(jīng)濟(jì)(下旬刊);2009年08期

6 王金平;;推進(jìn)農(nóng)村民間金融規(guī)范發(fā)展的思考[J];黑龍江金融;2008年09期

7 陳鋒,董旭操;中國民間金融形式及其利率分析[J];吉林財稅高等�？茖W(xué)校學(xué)報;2004年04期

8 王曉耘;;我國農(nóng)村民間金融存在的問題及對策[J];經(jīng)濟(jì)研究導(dǎo)刊;2009年02期

9 索琳;;對農(nóng)村民間金融治理的探討[J];內(nèi)蒙古金融研究;2009年06期

10 于愛英;紀(jì)常造;;淺談農(nóng)村民間金融市場發(fā)展過程中存在的問題及對策[J];商場現(xiàn)代化;2008年17期

相關(guān)博士學(xué)位論文 前1條

1 張曉艷;中國農(nóng)村民間金融市場運行機制研究[D];西北農(nóng)林科技大學(xué);2008年

，

本文編號：1699669